How to get a housing provident fund loan in Chengdu

To apply for a loan, the borrower must go to the bank entrusted by the Chengdu Provident Fund Center to fill in a written application and submit the following information:

( 1) Proof of housing provident fund payment of the applicant and his/her spouse;

(2) Identity certificate of the applicant and his or her spouse (referring to resident ID card, permanent residence booklet and other valid residence documents), and documents proving marital status;< /p>

(3) Proof of stable family economic income and other proofs of claims and debts that have an impact on repayment ability;

(4) Valid supporting documents such as contracts and agreements for purchasing a house;

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(5) Collateral used for security, list of pledges, certificate of ownership, proof of consent of the person with disposal rights to mortgage and pledge, and collateral valuation certificate issued by the relevant department;

(6) Other information required by Chengdu Provident Fund Center.

For loan applications with complete information, the trustee bank shall promptly accept and review them and submit them to the Chengdu Provident Fund Center in a timely manner.

The Chengdu Provident Fund Center is responsible for approving loans and notifying the trustee bank of the approval results in a timely manner.

The trustee bank shall notify the applicant to handle the loan procedures based on the approval results of the Chengdu Provident Fund Center, and send the loan contract and other procedures to the Chengdu Provident Fund Center for review. After approval, the Chengdu Provident Fund Center will allocate the entrusted loan fund, and the trustee bank shall Disburse loans in full and on time as stipulated in the loan contract.

The loan funds should be transferred to the special house sales account opened by the selling unit in the bank in the name of the borrower paying for the house purchase; if it is a re-transaction housing loan, the loan funds must be transferred to Chengdu The housing transaction intermediary agency entrusted by the Provident Fund Center opens a special account in the bank and then pays the house seller according to relevant regulations.

1. Housing provident fund personal home purchase loans are divided into personal housing provident fund loans and personal housing portfolio loans.

1. Personal housing provident fund-only loans are housing consumption loans that use housing provident funds as the source of funds and are issued to employees who have deposited housing provident funds for the purchase of self-occupied housing.

2. Personal housing portfolio loan is when an individual applies for a housing provident fund loan that is not enough to cover the purchase expenses, and applies for a housing commercial loan from the bank for the shortfall, which is referred to as a portfolio loan.

2. Loan Amount:

(1) The personal housing provident fund loan limit must meet the following conditions at the same time.

1． The maximum amount of a single housing provident fund loan is 400,000 yuan;

2. The maximum loan percentage shall be subject to the agreement signed between the Chengdu Housing Provident Fund Center and the developer;

The formula for calculating the maximum loan amount is: the sum of the monthly provident fund deposits of the borrower and the spouse ÷ the actual deposit Scale Proportion.

3. No more than the loan limit determined based on the repayment ability of the borrower and his or her spouse.

To apply for a provident fund loan, the monthly repayment/monthly income should not exceed 50% (including: the monthly repayment includes the sum of existing liabilities and the monthly repayment of this liability).

4. If the spouse of the loan applicant is the same borrower of the housing provident fund, he or she can participate in the calculation of the provident fund loan amount.

For loan applications that meet the above conditions, the Chengdu Provident Fund Center will determine the final loan amount after a comprehensive evaluation based on the credit status of the borrower and other factors.

(2) The amount of personal housing portfolio loan must meet the following conditions at the same time.

1． No more than 70% of the total value of the house purchased;

2. The ratio of real estate expenses to income shall not exceed 50% (inclusive);

Calculation formula: (monthly repayment amount of this loan and monthly property management fee)/average monthly income

The ratio of all debt expenditures to income shall not exceed 55% (inclusive),

Calculation formula: (monthly repayment amount of this loan, monthly property management fee, average monthly repayment amount of other debts)/average monthly income .

For individual housing portfolio loan applications that meet the above conditions, our bank and the Provident Fund Center*** will determine the final loan amount after a comprehensive assessment of the borrower's credit status and other factors.

Does anyone know where to apply for provident fund loans in Chengdu? < /p>

2. The service address of the service hall in the south of the city: 1st floor of Habitat Real Estate, No. 965 Jincheng Avenue, High-tech Zone, Chengdu

3. The service address of the service hall in the north of the city: North 2, First Ring Road, Chengdu 4th and 5th floors, Section 32

4. Service address of Chengdong Service Hall: 1st and 2nd floors on the north side of the Municipal Federation of Trade Unions Eastern Suburbs Workers’ Mass Benefit Service Center, No. 3 Jianshe South Road, Chengdu

5. Service address of the Chengdu West Service Hall: 3rd Floor, Cultural and Sports Center of the Working People's Cultural Palace, No. 129 Qingyang Avenue, Chengdu

(For more detailed addresses, you can enter the official website of the Chengdu Provident Fund Management Center - Convenient Services - Convenient Services Tools - check at service outlets)

Processing process: Borrowing applicants go to the Chengdu Provident Fund Center or the loan acceptance outlet of the lending bank to fill out a written loan application and submit the application materials → the loan acceptance outlet conducts acceptance, investigation, and preliminary review → Chengdu The Provident Fund Center conducts review and approval → the lending bank and the borrower go through the loan contract signing and other loan procedures → the Chengdu Provident Fund Center approves → the lending bank issues the loan → the lending bank notifies the borrower to collect the loan contract.

The Chengdu Provident Fund has been adjusted to allow couples to borrow up to 700,000 yuan

It is understood that the Chengdu Provident Fund has been officially adjusted in June. The most important parts include:

The maximum period for individuals to apply for provident fund loans has been increased from 20 years to 30 years;

The previous undifferentiated loan model of 600,000 yuan has been replaced by a differentiated loan model: the personal provident fund loan limit is 400,000 yuan; dual-employee and The above loan amount is 700,000 yuan;

Adjustment of the linkage multiple: The linkage multiple between the loan funds and the deposit balance has been adjusted from the previous 30 times to 20 times.

Differentiation of loan amounts

After this modification, families where both husband and wife pay provident fund can apply for a loan of 700,000 yuan, while individuals can only get a loan of 400,000 yuan. Differentiated loan limits better reflect the principle of fairness.

When the loan amount is increased, there is no need to worry about the increase in monthly payments, because the loan term has been increased from 20 years to 30 years, but it does not exceed the legal retirement age.

For example, if you choose to repay the principal and interest in equal installments, based on a 20-year loan of 700,000 yuan, the monthly repayment would be 3,970 yuan. If you choose a 30-year loan, you only need to repay 3,046 yuan per month, and the monthly repayment amount is reduced by more than 900 yuan. The monthly payment burden of the home buyer does not increase much.

The peg multiple is adjusted to 20 times

Another thing worth paying attention to is the peg multiple. Previously, the Chengdu Provident Fund had a "guaranteed loan" policy. If the balance in the provident fund account was less than 10,000 yuan, you could get a loan of 300,000 yuan without being restricted by multiples. Now this policy has been cancelled.

Instead, the loan limit is uniformly adjusted to 20 times the deposit balance, which is more fair.

It is more convenient to withdraw provident funds

The policy is that as long as employees and their spouses do not own their own homes in Chengdu, they can apply for withdrawal if they have paid provident funds continuously for more than 3 months and rent a house in Chengdu. The withdrawal amount shall not exceed 50% of the current year's deposit balance. It shall not exceed 15,000 yuan per year in the five urban areas and high-tech zones. The withdrawal amount shall not exceed 12,000 yuan in the second circle and Tianfu New District, Chengdu Directly Administered District, and Xinjin County. The withdrawal amount shall not exceed 9,600 yuan in the third circle. Yuan.

The required materials are also greatly simplified. Employees only need to bring their ID cards, and no rental registration certificate or lease agreement is required.

Can Chengdu provident fund loans be applied for on weekends? Business hours and phone introduction!

Although house prices remain high, there are still many people buying houses. Most people choose provident fund loans, which are one of the ways with the lowest interest rates for home loans. However, the provident fund loan process is complicated, time-consuming, and Homebuyers are often required to visit provident fund centers. For office workers, I hope they can do it on weekends so they don’t have to ask for leave. Today we take Chengdu as an example to introduce the working hours, consultation phone number, address, etc. of the Provident Fund Center.

1. Processing time

1. Monday to Friday, morning: 09:00-12:00 afternoon: 13:00-17:00;

2. Extended service processing time: Monday to Friday, time: 12:00-13:00; Saturday, time: 09:00-17:00

Remarks: Pujiang, Dayi, Jintang , Chongzhou, Dujiangyan, Qingbaijiang, Qionglai, Pengzhou, and Xinjin service halls implement reservation-based delayed services.

It can be seen that basically no business is handled on weekends, but provident fund business can be handled in some areas on Saturdays. You can call in advance to inquire.

2. Consultation hotline

Customer service hotline: 028-12329

Other consultation methods: Sichuan Government Service Network 12345 online consultation

Complaint Telephone: 028-86279099

Other supervision methods: Sichuan Government Service Network 12345 online complaint

3. Chengdu provident fund processing location

Sichuan Province-Chengdu City-Qingyang District - No. 28, Street, Section 1, Renmin Middle Road

City Service Hall, address: Window No. 1-16, 2nd Floor, Real Estate Building, No. 28, Section 1, Renmin Middle Road, Qingyang District, Chengdu City, Sichuan Province

South of the City Service Hall, Address: Windows 1-10, 1st Floor, Habitat Real Estate, No. 965 Jincheng Avenue, High-tech Zone, Chengdu City

Chengbei Service Hall Address: No. 32, Section 2, North 1st Ring Road, Jinniu District, Chengdu City, Sichuan Province Window Nos. 1-6

Address of Chengdong Service Hall: Window Nos. 1-6 on the north side of the Eastern Suburb Workers’ Mass Benefit Service Center of Chengdu Federation of Trade Unions, No. 3 Jianshe South Road, Chengdu

Address of Chengxi Service Hall: Window No. 5-8 on the third floor of Chengdu Working People’s Cultural Palace Cultural and Sports Center, No. 129 Qingyang Avenue, Chengdu

Where to apply for provident fund loans in Chengdu

In the city Service Hall

Address: Window No. 63-69 on the first floor and No. 80-89 on the second floor (temporary), Area A, Real Estate Sub-center, No. 32 Xihuamen Street, Qingyang District, Chengdu City

Tel: 028-86279227

Chengnan Service Hall

Address: 1st Floor, Habitat Real Estate, No. 965 Jincheng Avenue, High-tech Zone, Chengdu

Tel: 028-85324726

Chengbei Service Hall

Address: No. 32, Section 2, North, First Ring Road, Jinniu District, Chengdu City, Sichuan Province

Tel: 028-86436775

Chengdong Service Hall

Address: First and second floors on the north side of the Chengdu Federation of Trade Unions Eastern Suburbs Workers’ Mass Benefit Service Center, No. 3 Jianshe South Road, Chengdu

Telephone : 028-84350774

Chengxi Service Hall

Address: 3rd Floor, Chengdu Working People’s Cultural Palace Cultural and Sports Center, No. 129 Qingyang Avenue, Chengdu.

Tel: 028-64064608

Longquan Management Department

Address: No. 155, Beijing Road, Longquanyi District

Tel: 028-84854180 < /p>

Qingbaijiang Management Department

Address: 2nd Floor, Qingbaijiang District Government Service Center, No. 6 Bianmin Road, Qingbaijiang District

Tel: 028-83611321

Xindu Management Department

Address: Fourth Floor, Area A, New Government Affairs Center, Yuying Road District, Xindu District

Tel: 028-83995136

Wenjiang Management Department

Address: No. 89, Middle Section of Fengxi Avenue, Liucheng Town, Wenjiang District

Tel: 028-82728061

Shuangliu Management Department

Address: Shuangliu District No. 100, Section 4, Yinhe Road, Dongsheng Street

Tel: 028-85815585

Jianyang Management Department

Address: Jianyang Municipal Affairs Service Center, Renmin Road, Hedong New District, Jianyang City 1st Floor

Tel: 028-27028993

Dujiangyan Management Department

Address: 2nd Floor, No. 15, South Section of Rainbow Avenue, Dujiangyan City

Tel: 028-87290123

Pengzhou Management Department

Address: No. 113, Xinkang Road, Tianpeng Town, Pengzhou City

Tel: 028-83885794

Qionglai Management Department

Address: No. 109 East Street, Qionglai City

Tel: 028-88764330

Chongzhou Management Department

Address: No. 58, Shuzhou South Road, Chongzhou City

Tel: 028-82313871

Pidu Management Department

Address: No. 139, Heping Street, Pidu District

Tel: 028-87864707

Jintang Management Department

Address: No. 27, Jinzhong Road, Zhao Town, Jintang County

Tel: 028-84997702

Address: 5th Floor, Construction Bank Building, West Street, Jinyuan Town, Dayi County

Tel: 028-88296912

Pujiang Management Department< /p>

Address: 2nd Floor, China Construction Bank, No. 3, Heshan North Road, Heshan Town, Pujiang County

Tel: 028-88554268

Xinjin Management Department

Address: No. 1, Wujin North Road, Xinjin County

Tel: 028-82523108

What are Chengdu’s housing provident fund loan policies?

The real estate industry has been developing continuously in recent years. With the price rising, it is not easy for many young people to buy a house. In order to buy a house, they ask their parents for a bank loan. Let’s take a look at Chengdu’s provident fund loan policy with the editor.

Chengdu Provident Fund Loan Policy

1. Loan period, starting from June 6, the loan period will be changed from the original 20 years to 30 years.

2. Loan amount. Starting from June 6, if the maximum provident fund loan limit for couples is changed from the original 600,000 to 700,000, the individual provident fund loan limit will still be 400,000.

3. Loans are magnified. The original provident fund account balance was 20 times, but now it has been changed to 30 times.

Business process for withdrawing provident fund

1. Withdrawing provident fund does not require a certificate from the unit.

2. For loan repayment and withdrawal, there is no need to provide a purchase contract for the same house.

3. Business review material items have been readjusted.

4. Withdrawing provident fund upon resignation is proof that termination of the labor relationship is no longer required.

5. For employees whose accounts are sealed, the account cancellation information needs to be adjusted.

6. For serious illness extraction, proof of serious difficulties in life is no longer required.

Compatriots from Hong Kong, Macao and Taiwan enjoy housing provident fund benefits in Chengdu

Compatriots from Hong Kong, Macao and Taiwan who have contributed housing provident funds can withdraw personal housing provident funds and apply for personal housing loans from the housing provident fund just like mainland employees who have contributed housing provident funds. rights. Chengdu refuses provident fund loans to buy houses. The biggest use of provident funds is to apply for loans when buying a house.

What are the conditions for housing provident fund loans?

1. The borrower must have an urban household registration; the borrower must have paid and deposited the housing provident fund on time in this city for more than one year.

2. Have stable professional income, good credit, and the ability to repay loans.

Article summary: Chengdu provident fund loan policy. The loan period will be changed from 20 years to 30 years starting from June 6. Loan amount. Starting from June 6, if the maximum provident fund loan limit for couples is changed from the original 600,000 to 700,000, the individual provident fund loan limit will still be 400,000. Loans were multiplied. The original provident fund account balance was 20 times, but now it has been changed to 30 times.

That’s it for the introduction of provident fund loans in Chengdu High-tech Zone.